Users
Frequently Asked Questions
About PayRafi
PayRafi is a cutting-edge global peer-to-peer payment platform engineered for secure, rapid, and cost-effective money transfers. Our services are tailored to meet the day-to-day international money transfer needs of the global Persian community.
PayRafi’s mission is to simplify international money transfers for individuals worldwide.
The PayRafi team is a diverse group of professionals with expertise in business, finance, remittance, technology, marketing, customer service, and compliance.
The PayRafi platform facilitates and manages secure collaboration between two individuals (buyers and sellers of currency in different countries) to efficiently complete their transactions and payments. This creates a robust global payments ecosystem.
At PayRafi, we are not just providing payment services; we are fostering a community that facilitates and simplifies global payments for individuals worldwide, especially those with unique financial needs.
Yes, PayRafi ensures top-notch performance that meets international standards, thanks to our team of experts and our commitment to compliance.
PayRafi offers numerous competitive advantages:
- Optimized transfer times
- Dependable operational infrastructure
- Transparent transfer tracking
- PDF transfer confirmations
- Clear and competitive fee structure
- Equitable currency conversion rates
- USDT (Tether) conversion and transfer capabilities
- Peer-to-peer (P2P) transfer options
- Support for cash transactions
- Round-the-clock service and customer support availability
- International students
- Freelancers and online earners needing to transfer their overseas earnings back home
- Individuals managing international financial affairs.
- Family members supporting relatives abroad.
- International travelers and tourists.
- Patients seeking medical treatment overseas.
- Families of Iranian inmates worldwide with essential financial assistance.
Account Management and Services
To open an account, navigate to our official website and select the “Open an Account” option. Follow the subsequent prompts to complete the registration process and verify your identity.
Our comprehensive service offering includes:
- Multi-Currency Wallet Management: Manage multiple currencies within a single wallet.
- International Deposit and Receive Options: Easily deposit and receive money from international locations.
- Currency Conversion Services: Convert between different currencies with ease.
- Standard and Expedited Money Transfer Options: Choose between standard and quick transfer options for sending money.
- Seamless PayRafi-to-PayRafi Transfers: Enjoy hassle-free transfers between PayRafi accounts.”
While we support a selection of currencies at present, our ultimate goal is to expand and include all the currencies listed below. We are actively seeking additional service providers in these countries to join our payment network, ensuring broader and more comprehensive coverage.
Code Currency
TMN Toman
USDT Tether
SGD Singapore Dollar
MYR Malaysian Ringgit
AED UAE Dirham
EUR. Euro
TYR Turkish Lira
AFN Afghan Afghani
IQD Iraqi Dinar
GBP British Pound
CAD Canadian Dollar
AUD Australian Dollar
SEK Swedish Krona
NOK Norwegian Krone
DKK Danish Krone
RUB Russian Ruble
CNY Chinese Yuan
PFM Perfect Money
OMR Omani Rial
KWD Kuwait Dinar
QAR Qatari Riyal
THB Thai Baht
INR Indian Rupee
AGC Azadi Gold Coin
Deposits and Transfers
The PayRafi to PayRafi feature allows for instant money transfers between PayRafi members at zero cost. This feature revolutionizes the way you send and receive money to your friends and family within the PayRafi community, ensuring instant transactions and convenience. All you need is your recipient’s PayRafi ID to make the transfer.
With PayRafi’s Deposit feature, you can effortlessly top up your wallets, transfer money to anyone, and receive funds from others globally. This feature allows you to easily deposit funds into your account and receive money from others, making it convenient to manage your finances and conduct transactions worldwide.
We offer multiple deposit options to suit your needs, subject to service availability at the time of your deposit request.
- Cash Deposits
- Bank Transfers
- Fast Payment Methods (such as Wise, Revolut, PayNow, PayPal, etc)
- Cash Deposit Machine
The ‘Send’ feature is optimized for transactions exceeding €۶,۰۰۰. These transfers typically process within 2 to 3 business days.
Our ‘Quick Transfer’ service facilitates same-day transfers for amounts ranging from €۱۰۰ to €۶,۰۰۰, ensuring rapid fund delivery to your recipient.
We offer a variety of payment methods, subject to service availability at the time of your transfer request.
- Cash Transactions
- Bank Transfers
- Application Payment Options
- Cash Deposit Machine Transactions
- Internal PayRafi-to-PayRafi Transfers
Exchange Rates
PayRafi offers competitive exchange rates to ensure you get a fair deal when converting your money. These rates are derived from leading market data contributors and reflect real-time market conditions, ensuring accuracy and reliability.
Currency Conversion
Currency conversion with PayRafi is simple and transparent. Just use our currency converter to see how much of the second currency you will receive based on the current exchange rate. We aim to make this process straightforward, so you can easily handle transactions across different currencies. To support our platform and sustain our business, a reasonable conversion fee will be applied to your transactions.
Fees
To support our payment network and sustain our business, PayRafi applies a reasonable conversion fee and transfer fee to your transactions. However, we do not charge any fee for deposits at this time. This ensures that while we maintain our platform and provide excellent service, you can still deposit funds without any additional cost.
Customer Tiers
PayRafi offers three distinct user tiers to cater to different needs and levels of engagement:
Basic
This tier allows users to explore our platform and learn about its features.
Ideal for those who want to familiarize themselves with PayRafi before committing to transactions.
Only E-mail verification is needed to access this tier.
Pro
This tier enables users to deposit USDT (Tether) and convert this currency to other currencies available on the platform.
Suitable for users who primarily deal with USDT and require currency conversion services.
To access this tier, users must provide basic personal information, their address, and complete mobile phone verification.
Advanced
This tier grants users’ full access to deposit, convert, and send all currencies offered on the platform.
Perfect for users who need comprehensive money transfer and currency management capabilities.
To access this tier, users must upload an ID card, complete face recognition, and provide their preferences.
Basic access level users on PayRafi can enjoy several features, but they also face certain limitations.
- Exploration and Information Access: Basic users on PayRafi can navigate the app, learn about money transfer methods, check exchange rates, and understand more about other features.
- USDT Transactions: Basic users can deposit and send USDT (Tether), enjoying the convenience of transferring this cryptocurrency quickly and securely.
However, there are some limitations:
- No Fiat Transactions: Basic users cannot send or receive fiat currency. This feature is only available to Pro access level users.
To enjoy additional features like sending and receiving fiat currency, and converting USDT to other fiat currencies, users are encouraged to upgrade to the Pro or Advance access level.
Pro access level users on PayRafi enjoy various benefits, but there are certain limitations they should be aware of:
- USDT Transaction Limit: Pro users can deposit and send up to 5000 USDT per day. Although this is a substantial amount, it may restrict users who frequently engage in larger transactions.
- Monthly Transaction Limit: Pro users can only initiate up to 5 send transactions per month. This could be a limitation for users who need to conduct more frequent transactions.
To handle larger or more frequent transactions, Pro users should consider upgrading to the advanced account level in PayRafi. This tier offers greater flexibility, higher limits, and more features.
The Advanced Access level on PayRafi offers several key features:
- Multi-Currency Wallets: Users can create multi-currency wallets, allowing them to deposit, convert, and send various fiat currencies effortlessly.
- Enhanced Transaction Limits: Advanced Access users enjoy higher transaction limits, with a daily limit of up to 10,000 USDT and a monthly send transaction limit of up to 60 transactions.
- Priority Customer Support: Advanced Access users receive priority customer support, ensuring quick and efficient resolution of any queries or concerns.
Security and Regulatory Compliance
We prioritize security through substantial investments in:
- Advanced platform security measures
- State-of-the-art encryption protocols
- Cutting-edge software and hardware technologies
- A dedicated network security team
We employ robust security measures, including:
- Two-Factor Authentication (2FA).
- A comprehensive privacy policy.
- Advanced protocols to protect both your funds and personal information.
Our compliance strategy is multifaceted and includes the following measures:
- Implementation of rigorous Know Your Customer (KYC) procedures: We conduct thorough identity verification to ensure the legitimacy of our clients.
- Strict adherence to legal and regulatory requirements: We comply with all necessary legal guidelines and regulations in the jurisdictions we operate.
- Specialized legal team: Our dedicated legal team ensures compliance with international monetary laws and regulations.
- Continuous monitoring and verification of transactions: We continuously monitor all transactions processed through our platform. Furthermore, we also randomly verify transactions that appear suspicious to maintain high standards of Anti-Money Laundering (AML) compliance and to protect our platform from fraudulent activities.
Additional Features
You receive income in PayRafi Coins from all your referred clients’ transactions with us during our relationship with them.
The income is a percentage of the gross profit from each transaction.
The income will be automatically credited to your PayRafi Coin wallet.
Yes, you can convert your PayRafi Coins to USDT. For every 10,000 PayRafi Coins you earn, each PayRafi Coin is worth 1 cent.
Yes, you can use your PayRafi Coins to pay for your transaction fees.
Customer Support
We provide multiple channels for support to ensure you can reach us when needed:
۲۴/۷ Online Chat Support: Our chat support is available round the clock for immediate assistance.
Email Support: You can reach out to our support team via email for any queries or concerns.
Phone Support: We also offer phone support for direct, verbal communication with our customer service team.”
For any further inquiries or clarifications, please don’t hesitate to contact our dedicated support team.